Side-by-side · Q2 2026 data
Central State Bank vs Peoples Bank
Metric by metric
| Measure | Central State Bank | Peoples Bank |
|---|---|---|
| TellerScore | 55 | 65 (stronger) |
| Capital cushion | 54 (stronger) | 31 |
| Loan quality | 53 | 95 (stronger) |
| Earnings | 55 | 67 (stronger) |
| Funding & liquidity | 48 | 58 (stronger) |
| Problem-loan coverage | 78 | 98 (stronger) |
| Peer percentile | 11th | 29th |
| Total assets | $557.8M | $529.6M |
| Deposits / shares | $465.9M | $464.3M |
| Capital ratio | 10.43% (stronger) | 8.09% |
| Problem loans | 1.42% | 0.15% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.88% | 1.17% (stronger) |
| Loans ÷ deposits | 94.7% | 72.9% (stronger) |
| Uninsured deposits | 31.0% (stronger) | 41.6% |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 6.2% |
Peoples Bank has the higher TellerScore (65 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 3 and Peoples Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.